保险

Where the subject-matter insured is warranted free from particular average, the assured cannot recover for a loss of part, other than a loss incurred by a general average sacrifice, unless the contract contained in the policy be apportionable; but, if the contract be apportionable, the assured may recover for a total loss of any apportionable part.

这段话的意思是：如果保险标的按不赔单独海损条款投保，除非保险合同是可分割的，被保险人所遭受的部分损失不能获得赔偿，但属于共同海损牺牲的损失可获赔偿；若保险合同是可分割的，被保险人就任何可分割部分的全损可获赔偿。

Particular average, the assured cannot recover for a loss of part, otherthan a loss incurred by a general average sacrifice, unless the contractcontained in the policy be apportionable; but, if the contract beapportionable, the assured may recover for a total loss of any apportionablepart.

76（1）如果保险标的按不赔单独海损条款投保，除非保险合同是可分割的，被保险人所遭受的部分损失不能获得赔偿，但属共同海损牺牲的损失可获赔偿；若保险合同是可分割的，被保险人就任何可分割部分的全损可获赔偿。

1Where the policy contains a suing and labouring clause, t he engagement thereby entered into is deemed to be supplementary to the contrac t of insurance, and the assured may recover from the insurer any expenses properly in curred pursuant to the clause, notwithstanding that the insurer may have paid for a tota l loss, or that the subject matter may have been warranted free from particular avera ge, either wholly or under a certain percentage.

若保险合同中含有施救条款，则该项约定应视为对保险合同的补充。被保险人得因履行该条款所产生的一切合理费用，向保险人请求赔偿，即使保险人已经赔付全损，或者该保险标的已经订明单独海损之全部或一定的百分比以下不赔，亦不影响该项费用之赔偿。

Contemporarily, narrates the significance of Directors Liability Insurance by analyzing the contributions of Directors Liability Insurance to economical and social development and make a brief introduction of the origination of Directors Liability Insurance and development history at home and abroad.

同时分析董事责任保险对经济和社会发展所起到的作用，阐述董事责任保险的意义；简要回顾董事责任保险的起源及在国外和我国的发展历程。

It is considered that the regionality of agriculture insurance is the new direction of its practice and the deploitation of its theory.

本研究认为，农业保险的区域化是中国农业保险实践发展的新方向，也是农业保险理论的拓展。

And indicates that assuring the insurance must possess five elements: firstly, existent of insurable risk; secondly, congregation and disgregation of many homogeneous risks; thirdly, rating of insurance premium rate; fourthly, setting up insurance capital; fifthly, making the insurance contract.

指出保险的确立必须具备五个要素：一是可保风险的存在；二是大量同质风险的集合与分散；三是保险费率的厘定；四是保险基金的建立；五是保险合同的订立。

There are several main reasons: Liaoning's elderly insurance institution experimental reform model realizes the dividedly management between social finance and individual account,strengthens the levy of elderly insurance premium,widens the elderly insurance coverage,incentives workers to work actively because individual account become having fund accu...

分析其原因是：辽宁养老保险制度改革试点模式实行了社会统筹和个人账户分账管理，加强了养老保险费的征缴工作，扩大了养老保险覆盖面，做实了个人账户，激发了员工的劳动积极性，增加对养老保险的财政支出，缓解了企业缴费率提高的压力。

Our other primary insurers delivered their usual fine results last year. These operations, run by Rod Eldred, John Kizer, Tom Nerney, Michael Stearns, Don Towle and Don Wurster had combined premium volume of $579 million, up 40% over 2000. Their float increased 14.5% to $685 million, and they recorded an underwriting profit of $30 million. In aggregate, these companies are one of the finest insurance operations in the country, and their 2002 prospects look excellent.

我们其它初级的保险公司去年的表现依旧出色， Rod，由 John， Don， Tom， Michael 等人带领的各家保险事业，总计贡献了 5.79 亿美元的保费收入，较 2000 年成长了四成，浮存金则增加 14.5%成为 6.85 亿美元，外加 3，000 万美元的承保利益，总的来说，这些公司堪称全美最好的保险公司之一，展望 2002 年他们的前景依然可期。

In a smaller but nevertheless important way, our "other primary" insurance operation has also added to Berkshire's intrinsic value. This collection of insurers has delivered a $192 million underwriting profit over the past five years while supplying us with the float shown in the table. In the insurance world, results like this are uncommon, and for their feat we thank Rod Eldred, Brad Kinstler, John Kizer, Don Towle and Don Wurster.

其它规模较小但同等重要的&其它保险&营运一样为伯克希尔增添了许多实质价值，总结过去五年来，这群保险公司为我们贡献了 1.92 亿美元的承保利益，外加下表所显示的浮存金，在保险世界里，能够有这样的成绩实属不易，这都要感谢 Rod， Brad， John， Don 等人。

The three part is about the relation between the insurable interest and the effect of insurance contract.

第三部分论证海上保险合同中保险利益和保险合同效力的关系问题。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。